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Thankfully, you won’t have to do very much. When the settlement finally goes through, the funds will be deposited into the payment accounts linked to all of the eligible PSN profiles. If you’d like to exclude yourself from the payout, or object to it entirely, you can do so by filing out a written request. That's not necessary unless you have a moral issue with the payout, or you plan to sue Sony about this very same issue later. Accepting the payout now by default means you waive the right to sue Sony for this in the future.

At the moment, the move has a whiff of Microsoft’s disastrous reveal of the Xbox One in 2013. Back then, it planned to effectively neuter the secondary market by locking discs to specific consoles. Under the earliest iterations of the plans, once you’d installed the game you’d bought, the disc itself became a glorified coaster—trading it in, reselling it, or even returning it would have been so laborious and bureaucratic that it became unfeasible. The move was hugely unpopular, and Microsoft was forced to backtrack. Sony canning discs entirely risks making the same mistake. It also raises ques